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With a growing range of cat and dog insurance policies on the market, it can be hard to find the best pet insurance to suit your individual needs and budget.

We enable pet owners to share their experiences of some of the leading pet insurance providers, so as well as being able to compare the best pet insurance plans available based on cost, levels of coverage, exclusions and deductibles, you can read thousands of pet insurance reviews from other owners across the U.S. and Canada.

Our helpful pet insurance reviews can help ensure you find a policy that’s right for you.

1

out of 10

FRAUD- paid for two years FIRST claim denied

My first claim was DENIED for non-payment. I paid for Petfirst policy for two years including this pay period (though my employer) with no claims. My dog had an illness for the first time in two years. I've paid about 900 dollars for this insurance and believe it is a scam! I am contacting my employer to report as well.
  • INSURER: PetFirst
  • POSTED: 08/29/2017
  • BY:
  • BREED: Rottweiler
  • AGE OF PET: 1 - 8

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1

out of 10

Horrible

I wish I can give them 0. Sadly, my beautiful Pomeranian was really sick at the ER. After evaluation and treatment, he got better. We have healthy paws as his insurance since 2013. We have paid every month and never needed their services. The day that we actually needed them (after ED visit), they refused to pay examination fees! even in an ER setting! First, they made my claim process very difficult to submit and later, they refused to pay the majority and most expensive part of it. If your dog has to go to the ED, of course they need a physical examination in order to receive appropriate treatment, but Healthy Paws wont cover it. I love my dog, so I cancelled this insurance. I wont ever recommended to a responsible parent.
  • INSURER: Healthy Paws
  • POSTED: 08/29/2017
  • BY:
  • BREED: Pomeranian
  • AGE OF PET: 1 - 8

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10

out of 10

The best decision we have made- using Embrace

Our 7 year Dashound has had three "issues" over the years. But every time Embrace has handled our claims quickly and efficiently. They are great to work with. I started with them when he was a puppy. Better safe then sorry. Best decision we ever made was picking/using Embrace. Thanks Embrace!
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Dachshund
  • AGE OF PET: 1 - 8

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10

out of 10

Highly recommend Pets Best

I am so glad I chose Pets Best for Theo's care! My claims are always handled promptly, the rates are reasonable, and I now have peace of mind when Theo needs veterinary care. Our most recent claim was for a costly dental procedure, and the turn around time for reimbursement was just ten days. I highly recommend this company!
  • INSURER: Pets Best
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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8

out of 10

Pet peeing blood

Our pet had been urinating everywhere, we didn't know that he was ill until he started having drops of blood everywhere. We took him to emergency to find out that he had an infection. After a day of antibiotics he was back to his old self and started to gain weight that he lost. His claim was fast and I have always been satisfied with our insurance.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Chihuahua
  • AGE OF PET: Over 8 years

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10

out of 10

This insurance is awesome!

Without this insurance, we would not have our almost 10 year old German Shepherd, Wolf (Wolfie to us). Neither my husband nor I had ever purchased pet insurance before, but for some reason about 5 years ago, we decided to get it. We knew nothing about the various companies, and even the vet's office didn't really have a recommendation about one versus the other. We chose Embrace. Probably 6 months later, Wolf went to get up in the family/great room, and his back legs went in different directions and he ended up having to have a very expensive knee surgery. I think total it was about $8,500, and Embrace quickly approved the surgery and paid 80%. That was impressive enough, but for teh last couple of years, Wolf has been having liver issues. He has had to have numerous blood tests, ultrasounds, etc., and was finally diagnosed recently with pituitary Cushing's Disease. The medication alone for 1 week is $70. The testing which has to be done periodically is about $400 each time. If we did not have this awesome insurance, we would have to consider putting Wolf down, when he is not suffering -- he is still the happy guy he's always been. We can't say enough good about this insurance company and would recommend it to anyone. If we have additional pets in the future, we have agreed that we will get insurance from the very beginning.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: German Shepherd
  • AGE OF PET: Over 8 years

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10

out of 10

Mrs.

Such a great investment!! With an accident prone, adventurous cat that's always on the move, I can rest a bit knowing that he has this insurance. It's been awesome.
  • INSURER: ASPCA
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: 1 - 8

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3

out of 10

A Waste of $$ You'll Need to Pay Your Denied Claim

This company is a joke. Their pre-existing clause is sweeping and will afford them the ability to deny basically any claim they don't want to pay. When you call customer service to discuss it, they will talk to you like you're stupid. When you request to speak to a supervisor, they will tell you all they can do is request a call back within 48 hours. Then you won't receive that call, but somehow your account will be noted that they called you back and left you a voicemail (you never received because they never actually called you back). You call back and go through the same cycle a few more times. One of them may even recommend you don't cancel yet, but instead have your policy underwritten and then you'll know for sure what things are covered for your pet. She tells you it will be emailed to you in a few days. It never comes. After a MONTH, you'll finally blow your top at the newest agent who thinks you clearly haven't understood the previous four agents and they believe they can explain it in a way you will understand. You bite her head off, even though it's not completely her fault. Miraculously, only then does a manager calls you back -- that same day even, but only to tell you she can't do anything for you. AND now to make matters worse, she can't refund your two premiums that have posted in the process of this call back game, despite what two of the previous agents promised you and noted in your account. So you cancel finally, $150 later in premiums that will pay for nothing. In other words, this is good enough insurance if your pet never suffered any kind of illness whatsoever in the shelter, thereby not creating a pre-existing condition like a cold, and also fine insurance if you never have to call customer service and have someone talk down to you.
  • INSURER: 24PetWatch
  • POSTED: 08/29/2017
  • BY:
  • BREED: Domestic Shorthair
  • AGE OF PET: Under a year

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10

out of 10

Great Customer Service

Embrace is amazing. I submitted several claims for my dog Stanley who suddenly contracted Canine Immune-Mediated Hemolytic Anemia (IMHA). He needed an emergency blood transfusion, which is what saved his life. We are lucky to have pet insurance to cover the large vet bills that we have accumulated in the past month. I had so many questions and an "embracer" was always there to answer my questions and guide me. I appreciate the patience and care that the embracers give to their customers. Stanley is doing much better now, but he requires weekly blood work to monitor his red blood cell levels.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: Beagle
  • AGE OF PET: 1 - 8

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10

out of 10

I am glad i took out this insurance

Claim for flea medication and I am very happy with the speed it was processed.
  • INSURER: Embrace
  • POSTED: 08/29/2017
  • BY:
  • BREED: American Shorthair
  • AGE OF PET: 1 - 8

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